Personal Advisor

Randy L. Combest Independent Financial Advisor

I am an independent financial advisor who specializes in small businesses owners, professionals and affluent seniors. I have been self-employed for over 26 years. I started my first business right out of college and leveraged the cash flow from the business to buy commercial real estate. It provided some passive income and capital to go on to other businesses and real-estate ventures. In total I have started, operated and sold four different successful companies that provided me with enough capital and passive income to fund a retirement portfolio and start a financial advisory practice.

I know what it's like to work seven days a week and go into debt to pursue a dream. A business can become like a second child, an alternate identity. Even from the beginning of my first business I knew where I was going, what I wanted to accomplish. Once I could define and identify the "end game," I could then develop a plan, a structure and the necessary goals to achieve it.

I use this same concept in my advisory practice. One of my first questions with new clients is simply that, "What is your end game?" In developing a meaningful plan it's imperative to know where you're going before you draw the map. The adage "beginning with the end in mind" (Stephen Covey, 1989, Seven Habits of Highly Effective People) is a very effective concept for developing a highly effective, focused, long-term plan.

As a financial advisor my goal is to assist clients in understanding the relationship between their business and their personal financial goals. I help them to define "their end game" and create a financial plan that helps focus their business and personal lives toward a common goal. Planning is crucial to the success of an "end game." Well-informed clients make better financial decisions. Sound information and good advice help define the goals and actions necessary to create and implement a financial plan, a plan that will help shape the best financial decisions for their businesses and more importantly, for themselves.

As an independent financial advisor, I have the freedom to customize individual investment and retirement plan strategies. My obligation is to the policy of uncompromising honesty and integrity in serving my clients.